Plans disagree · San Jose, Santa Clara County · California ZIP 95113
State Farm and Progressive place San Jose ZIP 95113 very differently.
State Farm ranks highest (80.7); Progressive ranks lowest (10.2). The middle bodily-injury percentile is 51.2. Reviewed plans are 70.6 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
51.2
Middle percentile across available plans.
BI plan spread
70.6
State Farm to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
80.7
Within-plan percentile
Travelers
Quantum Auto 2.0
62.6
Within-plan percentile
Tesla Insurance
Tesla PPA
51.2
Within-plan percentile
Farmers
Farmers Auto
33.6
Within-plan percentile
Progressive
CA Select PPA
10.2
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 51.2 | 70.6 pts | 51.2 | — | 62.6 | 33.6 | 10.2 | 80.7 |
| Property damage | 80.7 | 18.1 pts | 88.5 | — | 79.8 | 93.3 | 75.2 | 80.7 |
| Medical payments | 78.7 | 45.9 pts | 91.2 | — | 54.4 | 78.7 | 45.3 | 82.7 |
| Uninsured motorist BI | 12.7 | 8.8 pts | 8.2 | — | — | 17.0 | 10.2 | 15.2 |
| Uninsured motorist PD | 86.3 | 77.1 pts | 86.3 | — | — | 17.0 | 94.1 | — |
| Comprehensive | 49.5 | 32.5 pts | 44.7 | — | 35.6 | 49.5 | 67.1 | 68.1 |
| Collision | 90.9 | 44.1 pts | 74.8 | — | 50.0 | 90.9 | 94.1 | 92.3 |
Widest coverage spread
Uninsured motorist PD
Progressive and Farmers are 77.1 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 8.8 percentile points apart.
What this does—and does not—mean.
Percentiles are calculated separately inside each rate plan and coverage. That makes relative positions comparable without pretending that unlike raw factors are the same thing.
A higher percentile does not identify the most expensive insurer. Base rates, driver history, vehicle, mileage, limits, deductibles and discounts still affect the final price.
The comparison uses approved filings from Tesla, Safeco, Travelers, Farmers, Progressive and State Farm. Filing tables can change, and some plans do not provide every coverage for every ZIP.
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